Life Insurance Eagan MN You will see more and more drivers on the road every year. This can lead to a higher possibility of a car accident. If you get in a car crash, the auto insurance you own can make a large difference in the experience you have. So how can you find out what insurance you need and the quantity you should purchase? Mandated coverage varies by state/province but typically includes the following: Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. Bodily injury damages include medical fees, lost wages, and pain and suffering. Property damage can refer to damaged property or loss of use of property. It can also cover your defense and court costs if you are sued. State laws typically require minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. This insurance can also cover lost earnings, replacement of services and funeral expenses. State government typically sets minimum amounts. Medical Payments: Medical payment coverage is available in states that are not considered no-fault; it pays regardless of who may be responsible. This insurance will pay for an insured person?s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages resulting from a car accident will be covered under this kind of insurance. Comprehensive: This applies if your vehicle is stolen or damaged by something other than a collision, including fire, wind, hail, flood or vandalism. Uninsured Motorist: Thousands of drivers are breaking the law by driving without having the right amount of car insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: Similar to uninsured motorist protection, this kind of insurance protects you against drivers without enough insurance protection. Emergency road service, car rental, and other types of car insurance can also be purchased. Your car insurance payments vary by company and will depend on multiple factors, including: *Your selected coverage *Your vehicle?s make and model * Your driving record * Your age, sex and marital status * The place where you live Many people think of car insurance as a necessary evil, but it can save you from a financial fiasco. Review your needs, do your research , and with the guidance of your insurance agent, choose the option that best suits you.